If you take more than you make, you may have find yourself with more debt than you know what to do with.

Don’t feel bad. It happens easily and can sneak up on you. There are so many things to pay for: car repairs, food (especially growing costs if you have a family), mortgage, utilities, taxes, classes, memberships, entertainment, gas, insurance, more insurance, medical expenses…and it seems to snowball doesn’t it?

Read more